Our Center for International Development launched its new Empowerment Lab with a conference yesterday, and one of the most interesting new social entrepreneurship initiatives I learned about is something called MyC4.com. This is a web-based platform that allows you to look up a list of African entrepreneurs who need funding for their projects (described briefly on the site) and to offer them loans. You bid a certain interest rate, which is accepted as long as it is below the maximum the entrepreneur is willing to accept and as long as others have not bid below you. You can lend as little as 5 euros. The average interest rate accepted is 12.8 percent per year, and I am told that the rate of default has been so far in the low single digits.
So here is a chance to make money while you contribute to Africa's development.
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Posted by: Andres | September 24, 2008 at 02:53 PM
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MyC4 sounds very similar to Kiva (kiva.org), which is based in San Francisco. On its website, Kiva claims to have facilitated more than $45 million worth of loans, with a repayment rate of 98.57%. It may worth a shoutout on your blog post as well.
Posted by: J | September 24, 2008 at 03:21 PM
Another page that have been doing the same type of business for a while is http://kiva.org/!
But as Andres, its a risk to take. The thing I am unsure about is what kind of network is distributing the money because surely not everyone of these entrpenurs have internet?
Posted by: Alexak | September 24, 2008 at 03:25 PM
MyC4 is great because it makes money for everyone - including me the investor who can't put all his savings into Kiva with 0% interest. Just for clarification, though: the money doesn't go to entrepreneurs directly. It goes to local microfinance outfits who pass it onto entrepreneurs.
So far I've invested in Kenya, Uganda and Côte d'Ivoire and all the repayments have come in as scheduled. What I'd like to see next is SME loans that create new jobs. Too many of the MyC4 loans (and Kiva even more so) are just working capital for small businesses - market traders, snack bars and so on. These are precisely the businesses that LaPorta and Shleifer (see your post from the Brookings symposium) argue are stuck in a low human capital-low productivity trap.
So which market failure is preventing small businesses from growing? Is it a capital market failure, in which case MyC4 will help? Or is it something deepper?
Posted by: Rupert Simons | September 24, 2008 at 04:21 PM
Here's a slight catch:
"INFORMATION FOR INVESTORS FROM NORTH AMERICA
Legally it has not yet been solved how North American Investors can withdraw money from their MyC4 accounts. So if you agree that you do not withdraw any money at any time from Myc4,you are most welcome aboard."
Posted by: Jon | September 25, 2008 at 04:31 PM
It's also worth noting that myC4 is a for-profit company, whereas Kiva is a non-profit. According to the founder of Kiva, they plan to introduce interest down the road as well. I think they're facing legal hurdles that they don't have in the EU.
Posted by: David | September 27, 2008 at 09:28 AM
Ebay's similar microplace.com is offering much lower rates of return, presumably reflecting lower rate business loans in the process. If I thought of this as contributing to Africa's development I'm not sure I'd be entirely comfortable taking 12% on the loan, but then Grameen Bank apparently runs their microfinance at rates upward of 20%, so what do I know.
Posted by: buermann | September 28, 2008 at 04:08 PM
Dani,
very interesting. But I suppose that answers your "Financial Innovation"'s question.
Posted by: Pedro Forquesato | September 28, 2008 at 06:53 PM
Kiva is great and I am still a (small) investor there. Due to regulatory issues it decided not to pay interest to people who offer a loan. But that means Kiva is still close to a form of classic 'charity'. MyC4 is a business and run by a businessman. Mads Kjaer has more than 25 years experience of doing business in Africa and in quite a lot of countries in sub sahara Africa. That makes him and his team stand out.
P2P will be the next level of doing business. Funny enough the p2p platforms will be fueled by the current financial crisis.
Who wants the 'classic' (investment) bank in between nowadays ?
I'd rather loose money in a deal with an African entrepreneur than loosing money by some option and bonus driven guy in mansion somewhere in the U.S. (or Holland for that matter).
See my post on this topic as well at: http://vanstokkom.blogspot.com/2008/03/for-those-who-do-not-believe.html
For more platforms lik MYC4, KIVA and Microplace look here:
http://vanstokkom.blogspot.com/2008/09/p2p-global-platforms.html
Posted by: VanStokkom | September 29, 2008 at 04:04 PM
Great reflections.
MYC4 is focused on Arica's micro- and SME's and the financial investment in growth for same will have to be suported by capacity- business and soial development.
MYC4 investors are private, workplaces and institutional investors - from 15 euro to millions.
Maybe a new way to do ODA?
Target in 2009 is 100m euro in loans funded and 100,000 investors.
You can also see more on http://www.youtube.com/watch?v=V005L3PWhSE
Mads
CEO & Co-founder
MYC4
Posted by: mads kjaer | September 30, 2008 at 03:32 PM
hi dani,
i just want to thank you for kicking off with your post! it has resulted in several contacts of high calibre that we can track back to you - i have posted about it here http://www.myc4.com/Portal/WebForms/Users/DisplayUserBlogPost.aspx?PostId=6524
great to meet you at harvard last week (are you up running with your myc4 account) - keep in touch!
tim
co-founder
www.myc4.com
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Chance to make money huh. This does not really help in the devolopment of Africa, I mean in America we have a massive failure rate in new buisness's starting up. They are unable to generate the enough to keep them floating, and one main reason is the need to cover the loan cost for starting the buisness. I think it might be better to partner up and own a specific portion of the buisness and gain money throught the success rather then ensuring someone is enslaved with your cash. But that's if you were looking to develope Africa.
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Posted by: regionmap | September 04, 2009 at 04:30 PM
The website says the average successful bid rate is ~13%, but the net earnings is -3% -- ie, you're losing 3% a year by giving MyC4 your money. Am I misunderstanding this? Or are the people who like this over Kiva for how attractive it is to both lenders and borrowers misunderstanding? (Not trolling.)
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